Dealing with the Insurance Company After a Car Accident

By
|June 11, 2018

WHY YOU SHOULD NOT DEAL DIRECTLY WITH THE INSURANCE COMPANY AFTER A CAR ACCIDENT

A car accident can range from minor to serious, from strictly property
damage to extensive bodily injury. If you’ve experienced being in
a car accident, then you understand just how inconvenient and sometimes
devastating it can be. To make matters more complicated, if you think
that dealing directly with the other driver’s insurance company
will keep things simple, you may be right, but you’re also assuring
yourself the LEAST amount possible for your claim. This means your future
medical needs will come out of YOUR OWN POCKET.

Let’s examine why:

Business is business, so goes the phrase. And make no mistake, however
devastating your injury after a car accident, no matter how clear it is
that the other driver was at fault, the other driver’s insurance
company is IS GOING TO FIGHT. Or, at the very least, the other driver’s
insurance company is going to perform a self-serving mathematical calculation
that results in getting you the least amount of money possible. This is
the business of insurance: the less paid out in claims, the fatter the
insurance company’s bottom line. Your wellbeing in the long-run
is NOT a part of this calculus.

BILLIONS IN THE POCKET OF THE INSURANCE INDUSTRY

The insurance industry is a billion dollar one, with an influence in politics
like few other industries. Insurance companies do not want good lawyers
intervening on a claimant’s behalf following an accident, because
a claim’s actual value is never good for the insurance company’s
bottom line. A devalued claim, however, is. This is true even though in
2017 the insurance industry raked in 18 BILLION DOLLARS IN PROFIT in just
the first half of 2017.

These types of astronomical profits are not made by paying the actual value
of each claim. Once you understand that the insurance industry, as a business
model, is designed to work against its own insureds as well as those claiming
through an at-fault driver, then you can appreciate the following:

AN
EXPERIENCED MCALLEN TEXAS PERSONAL INJURY
TRIAL LAWYER IS YOUR BEST BET TO GETTING PAID THE MOST

Not all accident claims become lawsuits. In fact, clients of the Law Offices
of Ramon Garcia, P.C. often get through the process without the need for
a lawsuit. However, let’s be candid, a lawyer’s business is
all about his reputation. Put simply, if the insurance company does not
think your lawyer will take your claim all the way through the litigation
process, then your lawyer is not in the best position to get you paid
for everything you will need following a car accident. The Law Office
of Ramon Garcia has a reputation as being comprised of trial lawyers,
which affords us the ability to settle with insurance companies for full
value without the need for litigation. This is true for motor vehicle
accidents of all sizes and severities.

Many firms who advertise as “car accident lawyers” do not know
where the courthouse is located, much less how to take a claim before
a jury. These firms will often rely on non-attorney support staff to process
your claim in only a slightly more sophisticated way than YOU would were
you to take care of the claim on your own. We call these firms claim mills.
Claim mills churn out undervalued claims like tamales on Christmas.

Take Juan Garza, for example, Juan was in a car accident and was transported
to the emergency room from the scene of the accident. Juan suffered a
broken bone and strain to his neck and back. Naturally, Juan is going
to expect an enormous bill from the hospital following his accident. Juan
wants to deal directly with the insurance company, you know, to keep things
simple. The insurance company requests Juan’s medical bills and
offers to cover their cost with a little more for Juan to take home. Juan,
without having the time to dispute or negotiate his colossal hospital
bill, and thinking the offer was a lot of money, accepts the insurance
company’s first offer. However, with the little money that Juan
took home, which could have been double or even tripled with the tools
of a personal injury trial lawyer, Juan will not be able to cover his
need for continuing medical treatments following his motor vehicle accident.
Juan didn’t anticipate or have the money for doctors who would have
told him that he is going to need ongoing physical rehabilitation. Juan
is a victim of a devalued claim.

The Law Office of Ramon Garcia could have advanced an interest-free loan
to Juan for certain expenses pending his claim, and would have put Juan
in the hands of the right medical providers without any upfront cost to
Juan. Juan would never have to pay the Law Office of Ramon Garcia for
any services upfront, because payment is taken care of when Juan’s
claim is paid in full. Sure, Juan gave up some of his fee to a lawyer,
but now Juan is fully taken care of and has more money in his pocket for
his medical needs. Juan avoided the unfortunate mistake of thinking he
could deal directly with the insurance company.

If Juan had gone to a claim mill accident firm after his car accident,
Juan probably would have been seen by the right doctor, but if the insurance
company holds firm at a low-ball offer with your claim mill attorney,
your attorney would be left with no other tools at his disposal to push
the insurance company to full value. These are the potential traps Juan
faces in today’s legal environment.

What should Juan have done:

CALL A SERIOUS MCALLEN PERSONAL INJURY TRIAL LAWYER

A serious personal injury trial lawyer will invariably get you more for
your claim than you ever could have on your own. The Law Offices of Ramon
Garcia, P.C. is the best asset you could have through this process. The
personal injury trial lawyers at the Law Offices of Ramon Garcia, P.C.
deal with insurance companies all the time and have the trial tools necessary
to push for maximum recovery for their clients. This isn’t because
we will inflate your claim following a car accident; it’s because
your medical needs will be fully addressed and you will NOT be taken advantage
of by the insurance agent on the other end of the phone. And remember,
if we can get you full value for your car accident claim without filing
a lawsuit, we don’t file one!

Getting in touch with a McAllen personal injury trial attorney is the first
step to maximizing your recovery following a car accident.

CONTACT A MCALLEN PERSONAL INJURY TRIAL LAWYER AT THE LAW OFFICES OF RAMON
GARCIA, P.C.

The consultation is completely FREE. Speak to an experienced personal injury
trial lawyer from the Law Offices of Ramon Garcia, P.C. right now for
services in McAllen, Edinburg, Pharr, Mission, Sharyland, and the greater
Rio Grande Valley areas by calling 956-383-7441.

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